Jack Thought He Was Fully Insured... Standard Policy Language Proved Otherwise.
Most Boat Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
Jack Reynolds' Land Transit Exclusion*
Jack Reynolds, a meticulous owner, bought a comprehensive policy for his fishing boat. After a fishing trip, a highway accident wrecked his boat while it was being trailered home. The insurer denied the $40,000 claim. His standard policy only covered the boat when “afloat, in storage, or on its designated mooring”—damage in “land transit” was specifically excluded unless an extra endorsement was purchased.
Potential Denial (The Exclusion):
Most standard boatowners insurance does not protect against loss or damage during towing/land transit unless specifically endorsed.
Risk Identified by My Policy Advocate:
Land transit exclusion—default for most US policies.
Policy Language:
“We cover your described boat for accidental physical loss while afloat or stored... This coverage does not apply to loss or damage occurring during transportation by land, except as specifically endorsed on the policy.”
Discovery by Clara, our Ai Assistant:
Clara identifies the presence or absence of the Land Transit Endorsement, a common gap in standard boat policies, especially for owners who frequently trailer their vessels.
Questions to Ask Your Agent:
- Does my policy specifically include towing and overland transport?
- Does my auto policy provide any backup or excess coverage while the boat is trailered?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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